Car Accident & Personal Injury Settlement Calculator
Estimate your car accident settlement value using standard insurance multiplier formulas (medical specials, lost wages, pain and suffering). See your net take-home cash after attorney fees.
11. Economic Hard Damages (Special Damages)
22. Injury Severity & Pain and Suffering Multiplier
Insurance adjusters multiply total medical specials by an injury severity rating (1.5x to 5.0x+) to quantify non-economic suffering.
33. Comparative Negligence & Legal Fees
Comparative fault reduction: In modified comparative states (TX, FL, IL), being found 51%+ at fault bars you from any recovery ($0).
Amounts claimed by health insurers or hospitals that must legally be paid from gross settlement proceeds.
Estimated Settlement Value & Net Proceeds
Where Does the Money Actually Go?
How Insurance Adjusters Evaluate Claims:
Initial offers from adjusters are routinely lowball offers aimed at paying only hard medicals without fair general damages.
Never give a recorded statement to the adverse insurance carrier without formal preparation.
Document every symptom with contemporaneous medical treatment—gaps in care are used by insurers to devalue pain and suffering.
How it works
1
Enter your past medical bills, pharmacy expenses, and estimated future therapy/surgery costs.
2
Add lost wages, missed work benefits, and property damage repairs.
3
Select the severity rating of your injury to calibrate the general damages pain & suffering multiplier.
4
Review estimated settlement ranges and see the itemized breakdown of attorney fees, medical lien deductions, and net compensation in your pocket.
Frequently asked questions
How does the insurance multiplier method work for pain and suffering?
Insurance adjusters calculate general non-economic damages by multiplying hard economic medical specials by a factor typically ranging from 1.5x (minor soft-tissue sprains) up to 5.0x (severe fractures, surgical interventions, or permanent disabilities).
What is a standard personal injury contingency fee?
Most US personal injury law firms charge on contingency: typically 33.33% (one-third) if settled prior to filing a lawsuit, and 40% if formal litigation, discovery, or trial proceedings are initiated, plus case costs.
What are medical liens and subrogation claims?
If your health insurance, Medicare, Medicaid, or hospitals placed a statutory lien on your claim, they must be repaid from the gross settlement proceeds before net funds can be disbursed to the plaintiff.
Are car accident personal injury settlements taxable by the IRS?
Under IRC Section 104(a)(2), compensatory damages received on account of personal physical injuries or physical sickness are entirely non-taxable at both federal and state levels. Only punitive damages and accrued pre-judgment interest are taxable.
Is this tool free?
Yes. The site is supported by ads, so you never pay or need to create an account.
Does it work on mobile?
Yes. The page adapts to your screen and does not require installing any app.